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Home and Contents Insurance

AAMI is the trusted insurer of around 800,000 Australian Households.

Lucky you're with AAMI

Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

What is Home and Contents Insurance?

Home and Contents Insurance conveniently combines building-only and contents-only insurance. It covers a range of insured events, such as fire, theft or attempted theft, storms and lightning. It offers homeowners repair or replacement of damaged property, as well as the contents inside that property.

AAMI Home & Contents Insurance

Most Popular

Complete Replacement Cover and Approved Repairs badges

Most popular

Temporary Accommodation

If your home is damaged by an insured event and you can't stay there while it's being repaired or rebuilt, we'll cover up to the lesser of 52 weeks or 10% of the building sum insured for temporary accommodation, so you still have a roof over your head.

Cover for spoiled food and medication

If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.

Cover for motor burnout

If the motor in one of your fixed appliances burns out and that appliance is less than 7 years old, we'll help you take care of repair or replacement.

what's included?

  • Rebuilding or repairing your home
  • Repairing or replacing your contents
  • Temporary Accommodation
  • Cover for spoiled food and medication
  • Cover for motor burnout 

Full list of coverage types

Complete replacement cover

This Optional Extra is exclusive to AAMI and gives you peace of mind that we'll choose to repair, rebuild your house as it was, or pay you what it would cost us to do so, without you having to set a specific sum insured limit.

Specified valuable items

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Portable items accidental loss or damage

Add cover for those portable items that might be damaged while you're out and about, like smartphones, handbags, laptops.

what's optional?

  • Complete replacement cover
  • Specified valuable items
  • Portable items accidental loss or damage

what events are covered?

  • Fire
  • Storm, flood or lightning
  • Accidental glass breakage
  • Malicious damage and vandalism
  • Theft or attempted theft

Full list of insured events


Save $50
When get a quote and buy online

Get a quote

Policy document downloads

Product Disclosure Document (PDS)

EASY CLAIMS PROCESS

Helping you at every step

If you ever need to claim, your dedicated Client Manager will organise every detail from beginning to end.

  • All quotes and repairs
  • Sourcing of materials and replacement items
  • Requirements of your local council or authority
  • Regular communication with you throughout the process.

YOU ALSO GET
Customer Rewards

Make the most of the customer rewards with AAMI Lucky Club and Suncorp Benefits! From retail discounts to experiences at concerts, movies, sporting events and more, enjoy great value on services that you'll love. See more Customer Rewards.

Disclaimer

Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (including CTP or MAI Insurance policies), Home and/or Contents (including Landlord and Strata), Life, Income Protection, and Health. AAMI customers who only hold the following insurance policies aren’t eligible for AAMI Lucky Club: Business, Pet, Travel.

The Reward and Recognition program ("Suncorp Benefits") is being operated by EONX Services Pty Ltd ABN 39 615 958 873. To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator’s privacy policy.

Disclaimer

Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (including CTP or MAI Insurance policies), Home and/or Contents (including Landlord and Strata), Life, Income Protection, and Health. AAMI customers who only hold the following insurance policies aren’t eligible for AAMI Lucky Club: Business, Pet, Travel.

The Reward and Recognition program ("Suncorp Benefits") is being operated by EONX Services Pty Ltd ABN 39 615 958 873. To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator’s privacy policy.

Village and Event Cinemas

Due to the COVID-19 situation, our partners at Village and Event Cinemas have temporarily closed their doors. We hope to see them back soon.

What's covered by Home and Contents Insurance

Covers loss of and damage to your home, garage, shed and their household contents, caused by fire, break-ins and weather events. Includes storm, flood and bushfire. You can get a Home and Contents Insurance quote online, quickly and easily.

Your Building

Your Contents

Optional Extras

Insured Events

These are the things that you'll be able to make a claim for, if they cause loss or damage to your building or contents. Most of them have limits, conditions and exclusions, so make sure you check the policy documents so you know exactly what's covered.

We do not insure you for bushfire, storm, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail

AAMI Home & Contents Insurance
Frequently asked questions

 

Find out exactly what AAMI customers think about our Home and Contents Insurance.

Home Insurance is rated 4.5 out of 5 by 1343.
Rated 5 out of 5 by from Easy to access and process Very helpful in explaining the policy details for comparison with our previous provider
Date published: 2019-11-15
Rated 5 out of 5 by from Easy as 1 2 3 It's so easy to get a quote from your website - other insurers want to call you or harass you but I never have this complication with AAMI
Date published: 2019-10-25
Rated 3 out of 5 by from Entering Address The address was not found even when i entered it manually and any error clears the form then adding a post office box required a street number and name
Date published: 2019-10-25
Rated 5 out of 5 by from very easy questions to understands very happy with the layout of questions and was easy to navigate through the website
Date published: 2019-10-09
Rated 5 out of 5 by from so easy I got car insurance and home contents insurance at the same time. It was very easy, and I've got two weeks to pay, and I'm covered right now!
Date published: 2019-10-04
Rated 5 out of 5 by from Excellent Service It was very easy to complete all the details I had no problems. Thank You
Date published: 2019-09-30
Rated 3 out of 5 by from It was fairly painless It was relatively easy to put in details of what i wanted coverd
Date published: 2019-09-24
Rated 2 out of 5 by from online help was not so good. I went thru the process and got an online quote, then chatted with your representative online. He said he could give me a better price, $1641, and would send it to my email to confirm. Nothing was sent, I only got my original quote of 1676.82. I paid $1676 today by mastercard.
Date published: 2019-08-29
Rated 5 out of 5 by from Great website. Very simple to get a quote. Lets hope your claims are as easy!
Date published: 2019-07-11
Rated 3 out of 5 by from Not a great experience Not very happy with the way AAMI has handled the renewal of my Home and Contents Policy, with me ringing and asking them if they could do a better price than the renewal sent to me. I went online and put in all the same details and got a quote that was $100 odd cheaper and when I rang AAMI, they would not match it, so have had to accept the online quote and will cancel my old policy in order to get the cheaper price. Could have done better with the service AAMI!!!!
Date published: 2019-06-05
Rated 5 out of 5 by from Happy with type of cover offered Extremely easy application to follow with 'help' along the way when needed.
Date published: 2019-04-03
Rated 4 out of 5 by from Great Online experience! Online navigation was easy and really did i found what I wanted.
Date published: 2019-03-24
Rated 5 out of 5 by from Great Staff Every time I have to do anything online or person to person AMMI & it's staff ALWAY's MAKE IT EASY, well done to you all & thank you all
Date published: 2019-03-10
Rated 5 out of 5 by from Simple process with cover to put your mind at rest With AAMIs’ complete coverage option to cover your home from being under insured you can be rest assured you won’t have any stress if you need to claim. The form completion process was simple and fast and the quote very competitive.
Date published: 2019-01-29
Rated 5 out of 5 by from online policy Love being able to get my new policy online, it was so easy and quick!
Date published: 2019-01-16
Rated 5 out of 5 by from Sooooooo Easy! I already have a car insurance policy with AAMI, so when I bought my new home, AAMI was my natural first choice for my home contents insurance. It was such an easy process to follow and in less than 5 minutes, my new home was covered - peace of mind in an instant!
Date published: 2019-01-05
Rated 5 out of 5 by from Great features I didn’t realise how quick & easy it was to organise.
Date published: 2018-12-18
Rated 5 out of 5 by from Competitive It was a quick competitive and ‘comprehensive’ process!
Date published: 2018-11-17
Rated 5 out of 5 by from Great features. Easy D.I.Y. over the internet. I'm very happy about my experience with on line home and content insurance.
Date published: 2018-10-24
Rated 2 out of 5 by from Renewal dearer than a new policy Why is a renewal more expensive than a new policy?
Date published: 2018-10-16
Rated 5 out of 5 by from great way to seek insurance easy to answer questions, simple to access, best value after days of searching
Date published: 2018-10-11
Rated 4 out of 5 by from Good Price Happy with end result that,s all I need to say, please do not e-mail me
Date published: 2018-09-24
Rated 5 out of 5 by from great policy so easy to do, lined up on lin and had cover shortly
Date published: 2018-08-18
Rated 3 out of 5 by from bad policy renewal The policy renewal quote is always more than the on line quote. As a long time AAMI customer I think I should be quoted the best possible price for the policy and i should not have to go through the process of going on line.
Date published: 2018-07-30
Rated 4 out of 5 by from EASY TO JOIN EASY TO JOIN ONLINE FOUND TO BE ONE OF THE CHEAPEST
Date published: 2018-07-12
Rated 5 out of 5 by from Competitively Priced Decided to go with AAMI as my car insurance is with them too and they're competitively priced.
Date published: 2018-07-12
Rated 4 out of 5 by from Easy home insurance Easy to use and understand. Good discount for being a current customer
Date published: 2018-07-11
Rated 5 out of 5 by from Information everywhere, YES! I found this whole experience incredibly easy, quick and informative. Every question I had, there was an answer to. Thanks AAMI, I look forward to being covered by you if this is the kind of experience I can expect.
Date published: 2018-07-10
Rated 5 out of 5 by from Easy to use Really happy with the price and ease of use and the website was easy to follow
Date published: 2018-07-10
Rated 4 out of 5 by from wonderful value I have been happy with this experience I received the information required
Date published: 2018-07-09
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Temporary Accommodation

If your home is damaged by an insured event and you can't stay there while it's being repaired or rebuilt, we'll cover up to the lesser of 52 weeks or 10% of the building sum insured for temporary accommodation, so you still have a roof over your head.

Cover for spoiled food and medication

If an insured event causes food or medicine to spoil—for example, if a storm knocks out power to your fridge - we'll cover the cost, up to $400.

Cover for motor burnout

If the motor in one of your fixed appliances burns out and that appliance is less than 7 years old, we'll help you take care of repair or replacement.

Complete replacement cover

This Optional Extra is exclusive to AAMI and gives you peace of mind that we'll choose to repair, rebuild your house as it was, or pay you what it would cost us to do so, without you having to set a specific sum insured limit.

Specified valuable items

If you've got a few especially valuable items, like jewellery or artworks, you can specify them on your policy to ensure they're covered up to their full value.

Portable items accidental loss or damage

Add cover for those portable items that might be damaged while you're out and about, like smartphones, handbags, laptops.

Need a hand?

Chat to us online now